# OAKDALE STATE BANK
OAKDALE, IL · FDIC certificate 11300 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $24.4M | |
| Deposits | $21.1M | |
| Loans and leases | $13.6M | |
| Total equity | $3.3M | |
| Loans / deposits | 63.70% (p37 of band) | 72.20% |
| Liquid assets / assets | 42.89% (p68 of band) | |
| Uninsured deposits / deposits | 1.31% (p1 of band) | 19.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.29% (p68 of band) | 11.46% |
| Unrealized securities loss / equity | -2.08% (p79 of band) | -13.79% |
| AOCI / equity | 1.71% (p75 of band) | |
| ROA (annualized) | 0.88% (p48 of band) | 0.90% |
| Net interest margin | 5.08% (p91 of band) | 3.57% |
| Efficiency ratio | 73.69% (p57 of band) | |
| Noncurrent loans | 0.39% (p56 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 279.25% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $82,000 (0.60% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | deposits shrinking |  |
| 2012-12 | 0 |  | deposits shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 4 | deposits shrinking, assets shrinking |  |
| 2016-03 | 2 |  | deposits shrinking, assets shrinking |
| 2016-06 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2018-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2019-03 | 1 | uninsured deposits leaving |  |
| 2019-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 4 | reserve under noncurrent, assets shrinking |  |
| 2023-09 | 3 |  | reserve under noncurrent |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 1 |  | deposits shrinking, assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2006-05-26 [Obituary information for Virginia F. Coulter - Pyatt Funeral Home](https://news.google.com/rss/articles/CBMiggFBVV95cUxPLWprS1NudGhSUmotVE55ZktOS3RTaXMzWF9XbDlqQVBfaGh3MmJQWnpmWGhMQlVPUENULUEtUmZPUVhsYlM2M1B5ZERTWWNfaVU5RWd6ZV9vZUl2enpsX1JyNFlBdDg5a2V2STljOWRQbTdFa1lRYzFWQjZrVFpKYmV3?oc=5) · Pyatt Funeral Home
- 2018-03-21 [Oakdale Eggstravaganza Supporters Make Donations Before Big Event - morningsentinel.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPZHRXdm9JR2M5Y2Q4bE1CeGloWjVRWk95dzVZZEpOM1pvYjdTdmZWYUUxUlh2eTU3S1lab0FWblBvSmhJYTUxZjNoNldWTU1xTF9jYmY0THhYOXdLRDF3cHpLcnAyanBNRnBqWFZiZmMtTDUzLTEzXzhIcWZXUWtoTEE1Qm5jMzJ1VWVNQXVjSms2Q2JKV1NEQnFYd1Bva201RnpfcEpPLVpYZFRzY1hXZGRlNTViVFZtS2toaQ?oc=5) · morningsentinel.com
- 2013-06-04 [Frances Ibendahl Obituary (2013) - Nashville, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZTl4TEZoSzB6dzNja1NESV9lbVZTb0RtZnVyZmNsY1ktVHQ3bnZtMTNDUEdFSVlPeS1xTXBDZ1pfY3N3ekVMa0VwcmROZXlTU2loUXpuaVZpeTNBRVp5RVdpbEFpUXhoUlEtdkdISHhfWVVWRmJ3WWY2akpGMURHNXdMOTkzZjFSVWpwTUJpVllBbjhN?oc=5) · legacy.com
- 2013-12-12 [Sharon Chapman - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaTBuaDMyWk44bTBTRUpCMHVHcHBsM0t5czVDby1aRURGVEpvQ29USTQxbkszVlIwd2lRc251V1hjT19DcU5tYzAwRTNrTEZwMmpyVk9DeGhLLTZkYkh1SnYwTHRXY0RHQzItMm1Ibkt6dDVVY2ZzUUpKc0ZIQm0zeW1qNXhuNFpwMkZaMFdqc2FNQQ?oc=5) · legacy.com
- 2006-05-26 [Virginia Coulter Obituary (2006) - OAKDALE, IL - The Southern Illinoisan - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQQW9IX3BUOGh5WUd1WktkSERfQ0tLT2hxVTdjWEVOdERZazNXa0ZXMzl4clVTc1ZsdE9IMjFSWHBYRU5WQmQ0QWFIYjIxb0hrR2ozcTVnZzI1MXNSSVRTVUN4emFmUnpoNU9GeXk2SXJINjEzWVhwRFBkdFFoQ1hRZjZ4SEQwVGNvelFkeEYxamZwcXc2SVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11300 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "11300", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide